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Dice Financial Services Group

1716 N. Sanborn Blvd, PO Box 790 Mitchell, SD 57301


Phone: 605-996-7171

Toll-free:  800-658-3603 


Website: www.dicefinancial.com

January/February 2019

Seeing Past Frightening Headlines

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If you read or hear dire predictions about how underfunded Medicare and Social Security are, you would think retirees will soon be in desperate financial shape. The truth is these programs have served retirees for years, and will likely continue to do so in the future. But the reality is that these programs cannot fully fund your retirement so it’s up to you to help ensure your own retirement security by taking common sense steps today to prepare for tomorrow.


For Your Future
While Social Security and Medicare are the safety nets of retirement, your actions will determine how financially secure your retirement will be. Before then, contribute regularly toward your retirement. Contribute at least the amount your employer matches in your 401(k) plan.


When you receive raises, promotions and bonuses, put the newfound money into your retirement accounts — you won’t miss the extra money because you never had it. If you want to save more, investigate traditional and Roth IRAs. And if it’s available through your workplace, consider contributing to a triple tax-free Health Savings Account (HSA). By using untaxed dollars in an HSA to pay for qualified medical expenses such as deductibles, copayments, coinsurance and other bills insurance does not cover, you can lower your overall health care costs, even into retirement.


As you near retirement, compare Medicare insurance policies — they can differ in price. Make sure to avoid penalties and surcharges by purchasing Medicare policies within the allowable timeframe. Talk to your financial professional to learn more.


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Securities offered through: Royal Alliance Associates, Inc. [ RAA], Member FINRA/SIPC. Insurance Services offered through Dice Financial Services Group. Advisory services offered through Dice Financial Investment Advisory, a registered investment advisor. 
Thomas J. Dice, Jerauld Garry, Michael LeBrun, and Jacquelyn Johnson are registered representatives of and offer securities products and services through RAA. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, MN, MO, MT, NC, ND, NE, NY, OK, OR, SC, TX, UT, VA, WA, WI, and WY.  No offers may be made or accepted from any resident outside the specific states referenced.
Thomas J. Dice, Jerauld Garry, Michael LeBrun, and Jacquelyn Johnson are also separately registered as investment advisor representatives under Dice Financial Investment Advisory, a registered investment adviser, offering advisory services in the state of SD.
Thomas Dice offers additional investment advisory services through RAA.
Fixed and/or Traditional Insurance Services offered through Dice Financial Services Group.
Listed entities are not affiliated.
The broker-dealer [BD], investment advisor, BD agent or investment advisory [IA] rep in question may only transact business in a state if first registered, excluded or exempted from state broker-dealer, investment advisor, BD agent or IA rep registration requirements, as may be; and follow-up, individualized responses to persons in a state by such broker dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as may be, will not be made absent compliance with state broker-dealer, investment adviser, BD agent or IA rep registration requirements, or an applicable exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker/dealer, investment advisor, BD agent or IA representative, a consumer should contact his or her stated securities law administrator. For securities information a consumer may also contact the Financial Industry Regulatory Authority (FINRA) at the following toll-free number: (800) 289-9999 or their web address www.finra.org. 

  Dice Financial Services Group and LTM Client Marketing, Inc. are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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